Our Postal Service Health Benefits Plan Options
Looking for Federal Employee Health Benefit options? Visit our FEHB Website >
High Option
Plan Features
- No deductible
- Lowest copays
- $0 maternity care
- $0 copay for primary care for children through age 4
- $0 copay for virtual care – always
- Earn up to $400 in healthy rewards1
Choose High Option if you anticipate frequent care visits and want low, predictable out-of-pocket costs.
Standard Option
Plan Features
- No deductible
- Low premium and affordable copays
- $0 maternity care
- $0 copays for pediatric care and primary care through age 17
- $0 copay for virtual care – always
- Up to $400 in healthy rewards1
Choose Standard Option if you’re starting or growing a family and want low premiums and copays for maternity and child care.
Prosper
Plan Features
- Lowest premiums
- Low $100 deductible
- $0 copay for virtual care – always
- Earn up to $750 in healthy rewards1
- Get up to a $500 reimbursement for fitness memberships2
- Among the lowest-price plans available to Federal employees
Choose Prosper if you’re in good health and anticipate few care visits, and would like to pay the lowest costs.
2025 PSHB Plan Rates
High Option
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (RAA) |
$112.86 | $244.53 |
| Self + 1 (RAC) |
$299.20 | $648.26 |
| Self & Family (RAB) |
$244.65 | $530.07 |
Standard Option
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (RAD) |
$78.00 | $169.00 |
| Self + 1 (RAF) |
$179.40 | $388.70 |
| Self & Family (RAE) |
$179.40 | $388.70 |
Prosper
| Enrollment Code | Bi-weekly | Monthly |
|---|---|---|
| Self only (NWA) |
$50.31 | $109.01 |
| Self + 1 (NWC) |
$120.20 | $260.44 |
| Self & Family (NWB) |
$141.56 | $306.71 |
These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the PSHB Program website or contact the employing agency or retirement office that maintains your health benefits enrollment.
- 1. The rewards program is open to Kaiser Permanente FEHB subscribers and their enrolled spouses 18 and older. You must accept the Wellness Program Agreement on kp.org/engage to be eligible to earn rewards. You can take the Total Health Assessment as often as you like, but you can only earn a reward for it once during the reward period. Some biometric activities may require you to contact your Kaiser Permanente physician. To find out how to get the screening you need, call the customer service number on the back of your Kaiser Permanente ID card. We will send each eligible member a Kaiser Permanente Health Payment Card 4–6 weeks after they complete their first activity. See the full list of qualified medical expenses in IRS Publications 502, Medical and Dental Expenses, and 929, Health Savings Accounts and Other Tax-Favored Health Plans, at irs.gov/publications.
- 2. These benefits are neither offered nor guaranteed under contract with the FEHB Program, but are made available to enrollees and family members who become members of Kaiser Permanente.
2025 Summary of Benefits
- Deductible and out-of-pocket maximum amounts are per person, but no more than 2 times per family.
- Telehealth options include video, phone, email, and more.
- Prescription drug copayments are for a 30-day supply at Kaiser Permanente Plan medical center pharmacies. You pay only 2 copays for up to a 90-day supply for most drugs through Kaiser Permanente’s mail-order program.
- Eyewear (lenses and frames) limited to once every 12 months.
| High Option | Standard Option | Prosper | ||
|---|---|---|---|---|
| Deductible | None | None | $100 | |
| 2025 Benefits and Services | ||||
| Outpatient services | ||||
| Preventive care | $0 | $0 | $0 | |
| Telehealth | $0 | $0 | $0 | |
| Primary care office visit | $10 ($0 for children through age 4) | $20 ($0 for children through age 17) | $30 ($0 for children through age 4) | |
| Specialty care office visit | $20 | $30 | $40 | |
| Laboratory tests | $0 | $0 | $0 | |
| X-rays | $0 | $0 | $40 | |
| Specialty scan | $75 | $100 | $1001 | |
| Maternity | ||||
| Routine prenatal care and postpartum visit | $0 | $0 | $0 | |
| Delivery | $0 | $0 | $7501 | |
| Hospital services | ||||
| Outpatient surgery | $75 | $150 | $3001 | |
| Inpatient hospital | $100 | $500 | $7501 | |
| Emergency and urgent care | ||||
| Urgent care | $20 | $30 | $40 | |
| Emergency care | $100 | $150 | $1501 | |
| Ambulance | $0 | $100 | $1001 | |
| Prescription drugs | ||||
| Generic | Preferred | $7 | $10 | $10 |
| Non-preferred | $45 | $60 | $65 | |
| Brand | Preferred | $30 | $40 | $45 |
| Non-preferred | $45 | $60 | $65 | |
| Specialty | $100 | $150 | $200 | |
| Eyewear/contact lens allowance | $100/$50 | $100/$50 | $100/$50 | |
| Preventative Dental | Covered | Covered | Not Covered | |
| Gym reimbursement | Not Covered | Not Covered | Up to $500 | |
| Out-of-pocket maximum | $2,250 | $3,500 | $4,000 | |
1Deductible applies.
Notes:
This is a summary of the features of the Kaiser Permanente – Mid-Atlantic States PSHB plan. Before making a final decision, please read the Plan’s brochure (RI 73-927). All benefits are subject to the definitions, limitations, and exclusions set forth in the brochure.
Care for growing families
There’s no better place to plan, start, and raise your family because you’re at the center of everything we do. Your dollars go further with $0 maternity care and $0 copays for pediatric care and primary care. Discover how Kaiser Permanente helps keep your family healthy.
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